Real 0% SIP at Partner Department Stores
Enjoy Real 0% installment of up to up to 12 months at our partner department stores.
Real 0% SIP

Get up to 12 months Real 0% SIP with your BPI Credit Card.

Up to 100% Bonus Madness Limit

Get a bonus installment credit limit of up to 100% of your regular credit line.

Program Mechanics

1. The Program is open to BPI cardholders of Participating BPI Cards in good standing. The Participating BPI Cards are as follows:  

BPI Credit Cards

  • Blue Mastercard
  • Gold Mastercard
  • Petron-BPI Mastercard
  • Platinum Rewards Mastercard
  • Edge Mastercard
  • Corporate Mastercard
  • Amore Cashback Card
  • Amore Platinum Cashback Card
  • Visa Signature Card
  • BPI Family Credit Card

2. BPI cardholders are entitled to avail of the Real 0% Installment Program. This allows Cardholders to avail up to 12 months Real 0% Installment at Partner Merchants.

3. The cardholder shall review and agree to be bound by the terms and conditions of the Special Installment Plan (SIP):

Terms and Conditions

a. The SIP Real 0% installment terms are available for a minimum single-receipt purchase requirement of Php 3,000 or higher depending on the merchant.

b. The terms and spend requirement may vary per Merchant and may be available for select items/services only.

c. All installment transactions are subject to BPI’s approval.

d. Cardholder can also choose to avail of other SIP feature:
Up to 100% BONUS MADNESS LIMIT for qualified BPI Credit cardholders
Qualified Credit cardholders with good credit standing will enjoy increased purchasing power with a bonus installment credit limit of up to 100% of their regular credit line. Approved installment transaction will automatically be deducted from the Madness limit. 100% Bonus Madness Limit is only applicable to installment transactions.

e. The monthly payment shall first be applied to the interest charges then to principal amount using the diminishing balance method:

  •  BPI will charge an early termination fee of Php 550 plus 20% on the principal amount should the cardholder decide to terminate the SIP transaction prior to the first billing.
  • BPI will charge an early termination fee of Php 550 for SIP transactions terminated after first billing.

4.  To qualify for the Program, the cardholder must use his or her Participating BPI Credit Card to pay for his or her purchases at the Participating Merchant.

5.  Any dispute concerning the products and/or services related to the Program shall be settled directly between the Cardholder and Merchant.

6.  The terms and conditions governing the issuance of BPI Credit Cards, reminders and other provisions contained in card carrier, statement of account, charge slips and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable in this Program campaign.

Participating Merchants

Note: The terms may vary per merchant and may be available for select items/services only.

  • Ace Centerpoint  
  • AllHome
  • Bohol Quality Department Store
  • Budget Wise Department Store
  • Cang's Inc.
  • Cebu Southland Com
  • Cinderella
  • Clothers Asia (FisherMall)
  • Country Mall
  • CSI Department Store
  • CSI Superstore
  • Dipolog Savers Mart  
  • DSG Sons (Gaisano Mall)
  • Duty Free Philippines
  • Dynasty Mgt. & Devt.
  • Ever Department Store
  • Far East Noble
  • Felcris Department Store
  • Finds Superstore
  • First Pacific Fortune
  • G Stores (Gaisano Malls)
  • Gaisano Capital Department Store
  • Gaisano Country Mall
  • Gaisano Dadiangas  
  • Gaisano Grand  
  • Gaisano Mall of Digos
  • Healthy Options
  • Heva Mgt And Devt
  • Houseware Plaza  
  • Isetann Department Store
  • Island City
  • KCC Department Store
  • Landmark Department Store
  • LCC Department Store
  • Lee Super Plaza  
  • Lopue's Department Store
  • Lopue's Mandalagan  
  • Metro Gaisano Department Store
  • Metro Retail Stores  
  • Metro Shoppers  
  • Mike's Department Store
  • NCCC Department Store
  • One Centro Store  
  • Robinsons Department Store
  • Rustan's Department Store
  • Sta. Lucia Department Store
  • Taipan Development
  • TCL Merchandise
  • The SM Store   
  • Tiongsan Department Store
  • TSB Bazaar  
  • Valueshop Department Store
  • Victoria & Company
  • Waltermart Department Store
Customer Support


For inquiries and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.

Related Information

S.I.P Online

Shop online and pay in installment at 0% interest.

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S.I.P with Monthly Add-on

Pay for your purchases at low monthly installment add-on rate at our partner merchants.

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